Imagine if there were a way to seamlessly keep your spending and expenses on track. Well you’re in luck, because this magical tool actually does exist, and it’s called a budget. However, you may or may not be surprised to learn that in a recent U.S. Bank study, roughly 60% of Americans admitted that they don’t follow a budget. If you’ve talked about creating a budget before but have yet to take the leap, here are a few tips to set yourself up for success.